{"id":385,"date":"2013-06-18T23:08:52","date_gmt":"2013-06-18T16:08:52","guid":{"rendered":"http:\/\/science-technology.vn\/?p=385"},"modified":"2013-06-18T23:08:52","modified_gmt":"2013-06-18T16:08:52","slug":"cong-nghiep-ngan-hang-va-cong-nghe-thong-tin","status":"publish","type":"post","link":"https:\/\/science-technology.vn\/?p=385","title":{"rendered":"C\u00f4ng nghi\u1ec7p ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ngh\u1ec7 th\u00f4ng tin"},"content":{"rendered":"

Theo m\u1ed9t b\u00e1o c\u00e1o t\u1eeb c\u00f4ng nghi\u1ec7p ng\u00e2n h\u00e0ng to\u00e0n c\u1ea7u, hi\u1ec7n th\u1eddi nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111ang \u0111\u01b0\u1ee3c t\u00e1i c\u1ea5u tr\u00fac v\u00e0 gi\u1ea3m b\u1edbt l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng tr\u00ean kh\u1eafp th\u1ebf gi\u1edbi. \u0110\u00e2y KH\u00d4NG ph\u1ea3i l\u00e0 k\u1ebft qu\u1ea3 c\u1ee7a suy tho\u00e1i kinh t\u1ebf hay th\u1ea5t b\u1ea1i trong m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng do qu\u1ea3n l\u00ed k\u00e9m m\u00e0 do thay \u0111\u1ed5i trong c\u00f4ng ngh\u1ec7. B\u00e1o c\u00e1o n\u00e0y tr\u00edch d\u1eabn b\u1eb1ng ch\u1ee9ng r\u1eb1ng m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t, Citicorp \u0111ang gi\u1ea3m tr\u00ean 12,000 vi\u1ec7c l\u00e0m to\u00e0n c\u1ea7u; Bank of America c\u0169ng \u0111ang gi\u1ea3m qu\u00e3ng 16,000 vi\u1ec7c l\u00e0m; v\u00e0i ng\u00e2n h\u00e0ng l\u1edbn \u1edf ch\u00e2u \u00c2u, Nh\u1eadt B\u1ea3n, Singapore, v\u00e0 Trung Qu\u1ed1c \u0111ang l\u00e0m c\u00f9ng \u0111i\u1ec1u \u0111\u00f3. Tuy nhi\u00ean \u0111\u1ed3ng th\u1eddi, nh\u1eefng ng\u00e2n h\u00e0ng n\u00e0y \u0111ang im l\u1eb7ng thu\u00ea s\u1ed1 l\u1edbn ng\u01b0\u1eddi, ph\u1ea7n l\u1edbn trong h\u1ecd l\u00e0 c\u00f4ng nh\u00e2n c\u00f4ng ngh\u1ec7 th\u00f4ng tin (CNTT).<\/span><\/p>\n

B\u00e1o c\u00e1o n\u00e0y n\u00f3i r\u1eb1ng l\u00ed do l\u00e0 \u0111a s\u1ed1 kh\u00e1ch h\u00e0ng kh\u00f4ng t\u1edbi ng\u00e2n h\u00e0ng n\u1eefa nh\u01b0ng \u01b0a th\u00edch d\u00f9ng m\u00e1y tr\u1ea3 ti\u1ec1n t\u1ef1 \u0111\u1ed9ng (ATM) v\u00e0 ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn, ch\u00ednh l\u00e0 \u1ee9ng d\u1ee5ng CNTT. Khi nhi\u1ec1u ng\u01b0\u1eddi d\u00f9ng m\u00e1y t\u00ednh v\u00e0 \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh cho giao t\u00e1c ng\u00e2n h\u00e0ng, c\u00f3 nhu c\u1ea7u t\u0103ng l\u00ean v\u1ec1 ng\u00e2n h\u00e0ng di \u0111\u1ed9ng hay thanh to\u00e1n di \u0111\u1ed9ng (d\u00f9ng \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng \u0111\u1ec3 thanh to\u00e1n tr\u1ef1c ti\u1ebfp t\u1eeb t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng thay v\u00ec th\u1ebb t\u00edn d\u1ee5ng). V\u00ec ki\u1ebfn tr\u00fac h\u1ec7 th\u1ed1ng v\u00e0 ng\u00f4n ng\u1eef l\u1eadp tr\u00ecnh cho thanh to\u00e1n di \u0111\u1ed9ng l\u00e0 kh\u00e1c v\u1edbi h\u1ec7 th\u00f4ng tin c\u1ee7a ng\u00e2n h\u00e0ng hi\u1ec7n t\u1ea1i, h\u1ec7 th\u1ed1ng d\u00f9ng m\u00e1y ph\u1ee5c v\u1ee5 t\u00ednh to\u00e1n c\u1ed5 hay m\u00e1y l\u1edbn, h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i thay th\u1ebf nh\u1eefng h\u1ec7 th\u1ed1ng n\u00e0y v\u00e0 thu\u00ea nhi\u1ec1u ng\u01b0\u1eddi t\u1ed1t nghi\u1ec7p \u0111\u1ea1i h\u1ecdc c\u00f3 k\u0129 n\u0103ng c\u00f4ng ngh\u1ec7 di \u0111\u1ed9ng.<\/p>\n

B\u00e1o c\u00e1o n\u00e0y n\u00f3i r\u1eb1ng nhu c\u1ea7u trong ng\u00e2n h\u00e0ng v\u1ec1 c\u00f4ng ngh\u1ec7 m\u1edbi h\u01a1n s\u1ebd t\u1ea1o ra nhi\u1ec1u v\u1ea5n \u0111\u1ec1 h\u01a1n cho vi\u1ec7c thi\u1ebfu h\u1ee5t k\u0129 n\u0103ng hi\u1ec7n th\u1eddi trong c\u00f4ng nghi\u1ec7p CNTT. M\u1ed9t nh\u00e0 ph\u00e2n t\u00edch ph\u1ed1 Wall gi\u1ea3i th\u00edch: \u201cNg\u00e2n h\u00e0ng l\u00e0 c\u00f4ng nghi\u1ec7p b\u1ea3o th\u1ee7 nh\u1ea5t; n\u00f3 kh\u00f4ng th\u00edch thay \u0111\u1ed5i v\u00e0 \u01b0a th\u00edch v\u1eabn c\u00f2n \u1ed5n \u0111\u1ecbnh nh\u1ea5t c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c. Tuy nhi\u00ean n\u00f3 kh\u00f4ng th\u1ec3 duy tr\u00ec y\u00ean t\u0129nh th\u00eam n\u1eefa khi c\u00f4ng ngh\u1ec7 l\u00e0m thay \u0111\u1ed5i m\u1ecdi th\u1ee9 quanh n\u00f3. Qua ti\u1ebfn tr\u00ecnh th\u1eddi gian, m\u1ecdi ng\u00e2n g\u00e0ng \u0111\u1ec1u ph\u1ea3i thay \u0111\u1ed5i v\u1eadn h\u00e0nh c\u1ee7a h\u1ecd v\u00e0 ch\u1ea5p nh\u1eadn c\u00f4ng ngh\u1ec7 m\u1edbi. \u0110i\u1ec1u n\u00e0y \u0111ang x\u1ea3y ra b\u00e2y gi\u1edd.”<\/p>\n

B\u00e1o c\u00e1o n\u00e0y d\u1ef1 b\u00e1o r\u1eb1ng th\u1ecb tr\u01b0\u1eddng vi\u1ec7c l\u00e0m cho CNTT ng\u00e2n h\u00e0ng s\u1ebd m\u1ea1nh l\u00ean trong v\u00e0i n\u0103m t\u1edbi khi ph\u1ea7n l\u1edbn ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i thay th\u1ebf h\u1ec7 th\u1ed1ng CNTT hi\u1ec7n c\u00f3 c\u1ee7a h\u1ecd. M\u1ecdi ng\u00e2n h\u00e0ng s\u1ebd c\u1ea7n ng\u01b0\u1eddi l\u1eadp tr\u00ecnh, ki\u1ebfn tr\u00fac s\u01b0 h\u1ec7 th\u1ed1ng, chuy\u00ean vi\u00ean an ninh v\u00e0 qu\u1ea3n l\u00ed d\u1eef li\u1ec7u nh\u01b0ng l\u1ea7n n\u00e0y h\u1ecd ph\u1ea3i thu\u00ea sinh vi\u00ean \u0111\u1ea1i h\u1ecdc v\u00ec ch\u1ec9 nh\u1eefng ng\u01b0\u1eddi c\u00f3 k\u0129 n\u0103ng c\u00f4ng ngh\u1ec7 hi\u1ec7n th\u1eddi nh\u01b0 l\u1eadp tr\u00ecnh Java, ph\u00e1t tri\u1ec3n app di \u0111\u1ed9ng; qu\u1ea3n l\u00ed c\u01a1 s\u1edf d\u1eef li\u1ec7u v\u00e0 d\u1eef li\u1ec7u; qu\u1ea3n l\u00ed r\u1ee7i ro, qu\u1ea3n l\u00ed d\u1ecbch v\u1ee5; qu\u1ea3n l\u00ed an ninh v.v.<\/p>\n

Trong qu\u00e1 kh\u1ee9 ph\u1ea7n l\u1edbn c\u00e1c ng\u00e2n h\u00e0ng \u01b0a th\u00edch c\u00f4ng nh\u00e2n CNTT c\u00f3 kinh nghi\u1ec7m nh\u01b0ng l\u1ea7n n\u00e0y s\u1ebd kh\u00e1c v\u00ec ki\u1ebfn tr\u00fac h\u1ec7 th\u1ed1ng v\u00e0 ng\u00f4n ng\u1eef l\u1eadp tr\u00ecnh hi\u1ec7n th\u1eddi \u0111\u01b0\u1ee3c d\u00f9ng trong h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u qu\u00e1 c\u0169, m\u1ed9t s\u1ed1 \u0111\u00e3 \u0111\u01b0\u1ee3c d\u00f9ng trong 20 t\u1edbi 40 n\u0103m. Nh\u1eefng h\u1ec7 th\u1ed1ng n\u00e0y l\u00e0 kh\u00e1c v\u1edbi ng\u00f4n ng\u1eef l\u1eadp tr\u00ecnh \u0111\u01b0\u1ee3c d\u00f9ng trong c\u00f4ng ngh\u1ec7 x\u1eed l\u00ed hi\u1ec7n th\u1eddi cho ng\u00e2n h\u00e0ng di \u0111\u1ed9ng cho n\u00ean n\u00f3 ph\u1ea3i thay \u0111\u1ed5i v\u00e0 \u0111i\u1ec1u n\u00e0y s\u1ebd y\u00eau c\u1ea7u c\u00e1c k\u0129 n\u0103ng l\u1eadp tr\u00ecnh kh\u00e1c v\u00e0 k\u0129 n\u0103ng ph\u00e1t tri\u1ec3n ph\u1ea7n m\u1ec1m l\u00e0 kh\u00e1c v\u1edbi qu\u00e1 kh\u1ee9. B\u00e1o c\u00e1o n\u00e0y g\u1ee3i \u00fd r\u1eb1ng \u0111\u1ec3 \u0111\u1ea1i tu to\u00e0n th\u1ec3 h\u1ec7 th\u1ed1ng CNTT l\u1ed7i th\u1eddi b\u1eb1ng h\u1ec7 th\u1ed1ng m\u1edbi, c\u00f4ng nghi\u1ec7p ng\u00e2n h\u00e0ng ph\u1ea3i quay sang nh\u1eefng ng\u01b0\u1eddi t\u1ed1t nghi\u1ec7p \u0111\u1ea1i h\u1ecdc v\u1ec1 k\u0129 n\u0103ng c\u1ee7a h\u1ecd, v\u00e0 \u0111\u00f3 l\u00e0 tin t\u1ed1t cho sinh vi\u00ean v\u00e0 ng\u01b0\u1eddi t\u1ed1t nghi\u1ec7p trong Khoa h\u1ecdc m\u00e1y t\u00ednh v\u00e0 Qu\u1ea3n l\u00ed h\u1ec7 th\u00f4ng tin.<\/p>\n

M\u1ed9t \u0111i\u1ec1u v\u1eabn c\u00f2n \u0111\u01b0\u1ee3c tranh c\u00e3i l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 kh\u00f4ng d\u00f9ng t\u00ednh to\u00e1n m\u00e2y cho h\u1ec7 th\u1ed1ng CNTT c\u1ee7a h\u1ecd do m\u1ed1i quan ng\u1ea1i v\u1ec1 an ninh cho n\u00ean h\u1ecd ph\u1ea3i x\u00e2y d\u1ef1ng nh\u00f3m CNTT m\u1ea1nh \u0111\u1ec3 qu\u1ea3n l\u00ed h\u1ec7 th\u1ed1ng d\u1eef li\u1ec7u CNTT ri\u00eang c\u1ee7a h\u1ecd. B\u00e1o c\u00e1o n\u00e0y n\u00f3i r\u1eb1ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 nhi\u1ec1u c\u00f4ng nh\u00e2n CNTT b\u00e2y gi\u1edd \u0111ang t\u0103ng l\u00ean nhanh ch\u00f3ng v\u00ec c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i ph\u00e1t tri\u1ec3n c\u00e1c h\u1ec7 th\u1ed1ng ph\u1ee9c t\u1ea1p \u0111\u1ec3 theo d\u00f5i v\u00e0 gi\u00e1m s\u00e1t m\u1ecdi giao t\u00e1c \u0111\u1ec3 ng\u0103n ng\u1eeba gian l\u1eadn v\u00e0 v\u1ea5n \u0111\u1ec1 an ninh. H\u1ecd ph\u1ea3i qu\u1ea3n l\u00ed m\u1ecdi d\u1eef li\u1ec7u hi\u1ec7u qu\u1ea3 h\u01a1n v\u00e0 ph\u00e1t sinh b\u00e1o c\u00e1o nhanh ch\u00f3ng cho c\u1ea5p qu\u1ea3n l\u00ed v\u00e0 \u0111i\u1ec1u \u0111\u00f3 s\u1ebd c\u00f3 ngh\u0129a l\u00e0 nhi\u1ec1u vi\u1ec7c l\u00e0m h\u01a1n cho ng\u01b0\u1eddi t\u1ed1t nghi\u1ec7p CNTT trong v\u00e0i n\u0103m t\u1edbi.<\/p>\n

 <\/p>\n

—-English version—-<\/p>\n

 <\/p>\n

The Banking industry and Information technology<\/p>\n

According to a report from the Global banking industry, currently many banks are under restructured and reducing their workforce all over the world. This is NOT the result of the economic recession or the failure in some banks due to mismanagement but due to the changes in technology. The report cited evidences that some of the largest banks, Citicorp is cutting over 12,000 jobs globally; Bank of America is also reducing about 16,000 jobs; several big banks in Europe, Japan, Singapore, and China are doing the same. However at the same time, these banks are quietly hiring a large number of people, most of them Information Technology (IT) workers.<\/p>\n

The report states that the reasons is a majority of customers do not come to banks anymore but prefer to use Automated Teller Machine (ATM) and On-line banking, which are IT applications. As more people are using computers and smart phones for banking transaction, there is a growing need for mobile banking or mobile payments (using mobile phone to pay directly from bank accounts instead of credit cards). Since system architecture and programming languages for mobile payments are different than existing banks\u2019 information systems which use old computing servers or main frames, most banks would have to replace these systems and hiring more college graduates with mobile technology skills.<\/p>\n

The report states that demand in banking for newer technologies will create more problems to the current skills shortage in the IT industry. A Wall Street analyst explained: \u201cBanking is the most conservative industry; it does not like to change and prefer to remain as stable as possible. However it cannot stay quiet anymore as technology is changing everything around it. Over the course of time, all banks must change their operation and adopt new technologies. This is happening now.”<\/p>\n

The report predicts that job market for bank IT will be strong in next few years as most banks will have to replace their existing IT systems. Every bank will need programmers, system architects, security and data management specialists but this time they have to hire college graduates because only they have the current technology skills such as Java programming, mobile app development; database and data management; risk management; service management; security management etc.<\/p>\n

In the past most banks prefer experienced IT workers but this time will be difference because the system architecture and programming language currently used in most banks are too old, some has been used for 20 to 40 years. These systems are different than the programming language that being used in the current processing technology of mobile banking so it must change and this will require different programming language skills. At the same time, new technology will require new project management skills and software development skills that are different from the past. The report suggested that to overhaul the entire obsolete IT systems with new systems, banking industry must turn to college graduates for their skills, and it is good news for students and graduates in Computer Science and Information System Management.<\/p>\n

One thing is still being debated is banks may not use Cloud computing for their IT systems due to the security concern so they must build a strong IT group to manage their own IT data systems. The report states that requirements for more IT workers are going to grow quickly since banks must develop sophisticated systems to track and monitor all transaction to prevent frauds and security issues. They must manage all data more efficiently and generate reports quickly to management and that will mean more jobs for IT graduates in the next few years.<\/p>\n","protected":false},"excerpt":{"rendered":"

Theo m\u1ed9t b\u00e1o c\u00e1o t\u1eeb c\u00f4ng nghi\u1ec7p ng\u00e2n h\u00e0ng to\u00e0n c\u1ea7u, hi\u1ec7n th\u1eddi nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111ang \u0111\u01b0\u1ee3c t\u00e1i c\u1ea5u tr\u00fac v\u00e0 gi\u1ea3m b\u1edbt l\u1ef1c … <\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-385","post","type-post","status-publish","format-standard","hentry","category-cong-nghe-thong-tin"],"_links":{"self":[{"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/posts\/385","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/science-technology.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=385"}],"version-history":[{"count":2,"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/posts\/385\/revisions"}],"predecessor-version":[{"id":388,"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/posts\/385\/revisions\/388"}],"wp:attachment":[{"href":"https:\/\/science-technology.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=385"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/science-technology.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=385"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/science-technology.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=385"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}